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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $73,404 | $93,617-21.6% | $135,982-46.0% | $75,177-2.4% |
| Participation rate | 68.2% | 75.2%-7.0pp | 81.9%-13.7pp | 67.2%+1.0pp |
| Annual return | 20.05% | 30.89%-10.8pp | 68.32%-48.3pp | 160.75%-140.7pp |
| Employer contribution / active EE | $1,377 | $3,538-61.1% | $4,859-71.7% | $2,671-48.5% |
| Participant deferral / active EE | $5,716 | $6,406-10.8% | $7,760-26.3% | $4,126+38.5% |
| Admin fee / account holder | $1,853 | $6,980-73.5% | $10,767-82.8% | $5,651-67.2% |